VA mortgage rates

Spotsylvania County

Clear, current 2026 mortgage and refinance loan limits for homeowners in Spotsylvania County, Virginia. Use the verified baseline numbers below to calculate your refinance payment, evaluate your home equity, and monitor when rate alerts make refinancing advantageous.

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2026 limits

2026 Mortgage Loan Limits

Spotsylvania County

Conforming Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

FHA Loan Limits

Per property
1 unit$1,249,125
2 units$1,599,375
3 units$1,933,200
4 units$2,402,625

Source: Official Federal Housing Finance Agency (FHFA) and HUD loan limit schedules. Conforming data represents conventional maximums. Last synchronized: 2026 update cycle.

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Refinance Payment Estimate

Estimate Your Refinance in Spotsylvania County

Use your current mortgage details to estimate a new refinance payment and potential monthly savings.

Estimated New Monthly Payment$2,528Principal & interest only
Home value − mortgage balance
Mortgage balance ÷ home value
Added to the proposed new loan
Proposed New Loan Amount$400,000
Estimated New Payment$2,528
Estimated Monthly SavingsAdd current rate

Estimates include principal and interest only. Taxes, insurance, closing costs, and mortgage insurance are not included.

About Spotsylvania

A local view of the market.

The real estate market in Spotsylvania County, Virginia, has seen a steady increase in home values. As of October 2024, the median home sold price was $449,395, reflecting a 4.1% rise from the previous year. The county remains a seller's market, with homes selling relatively quickly and often close to the asking price. Spotsylvania County includes several prominent cities, with Fredericksburg being the most notable. Fredericksburg is an independent city surrounded by the county and has a population of approximately 28,000. The county itself has a population of around 152,348, showing a growth rate of 1.85% over the past year. Living in Spotsylvania County offers a mix of rural and suburban experiences. The area is characterized by its beautiful rural landscapes and a growing suburban community. Agriculture plays a significant role in the local economy, alongside industries such as healthcare and education. The county attracts new residents due to its scenic environment, proximity to major urban centers, and a balance of suburban amenities and rural charm.

County snapshot

Market context.

VA

Public location data associated with this county record. Optional fields are shown only when present in the source.

Market areaWashington-Arlington-AlexandriaMapped market area
Area code47900CBSA / MSA reference
Data year2026Aligned with this limit record
Questions & Answers

Refinancing in Spotsylvania County

Common questions about 2026 loan limits and refinancing opportunities in Virginia.

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